Dewey County, SD Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 15 mortgage applications in Dewey County, SD totaling $1.8 million, down 38% from 2022. The average application was for $117,000, and applicants reported an average income of $85,000. 47% of applications resulted in an originated loan and 13% were denied. The most active lender was Bankwest, Inc., with 2 applications, followed by Crosscountry Mortgage, LLC and Amerisave Mortgage Company.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 15 |
| Total Mortgage Loan Application Amount | $1,765,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $192,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 2 | $ 240,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 290,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 385,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 2,170,479,000 | 1 | $ 105,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 225,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 65,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 55,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,589,007,000 | 1 | $ 65,000 |
The tables below break down 2023 mortgage applications in Dewey County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Dewey County, SD in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6 | $860,000 | $143,000 | $385,000 | $129,000 | $192,000 |
| Cash-out Refinancing | 5 | $325,000 | $65,000 | $105,000 | $54,000 | $109,000 |
| Other Purpose | 2 | $290,000 | $145,000 | $215,000 | $38,000 | $57,000 |
| Refinancing | 1 | $225,000 | $225,000 | $225,000 | $118,000 | $118,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6 | $850,000 | $141,000 | $385,000 | $120,000 | $192,000 |
| Not Provided | 3 | $325,000 | $108,000 | $215,000 | $46,000 | $57,000 |
| American Indian or Alaskan Native | 3 | $355,000 | $118,000 | $225,000 | $63,000 | $118,000 |
| Not applicable | 2 | $130,000 | $65,000 | $65,000 | $0 | $0 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7 | $915,000 | $130,000 | $385,000 | $112,000 | $192,000 |
| FHA-insured (Federal Housing Administration) | 6 | $730,000 | $121,000 | $225,000 | $65,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 2 | $120,000 | $60,000 | $65,000 | $54,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 7 | $1,115,000 | $159,000 | $385,000 | $100,000 | $188,000 |
| Loan Purchased By The Institution | 2 | $130,000 | $65,000 | $65,000 | $0 | $0 |
| Application Denied By Financial Institution | 2 | $150,000 | $75,000 | $105,000 | $44,000 | $62,000 |
| Application Withdrawn By Applicant | 2 | $250,000 | $125,000 | $175,000 | $105,000 | $192,000 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $65,000 | $54,000 | $55,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 13 | $1,615,000 | $124,000 | $385,000 | $93,000 | $192,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $26,000 | $26,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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